I use Medipac Travel Insurance - Medipac Travel Medical Insurance for Canadian Travellers, Snowbirds and Seniors
. They have the option of having a deductable as high as $10,000. You can also claim medical expenses through OHIP when out of the country. In Ontario you can only be out of the province for 7 months in any 12 month period (most provinces are 6 months). You can get a once in a life time 2 year exemption from this rule which you get through Service Ontario.